Been with Vanguard for over 40 years and have started moving my assets over to another brokerage company. Please DONT invest using this organization UNLESS u want NO human contact. About 3 years ago, Vanguard began to insist that there mutual fund clients open brokerage accounts. I was forced to do so or face penalties for not transferring. After that, vanguard insisted that all its clients stop any form of paper statements. I declined thus Vanguard initiated a newly established paper fee on all my accounts. Still I stayed. In the last year Vanguard, advised me that I was contacting them, to discuss my account, via phone, at a unacceptable level. They wrote a very unprofessional letter stating if I didnt reduce my calls they would impose additional fees on my account. As a active trader, I needed someone to answer general questions on the purchases/sales that I was performing on a weekly if not daily basis. Against my better judgement, Significantly reduced my contact with the organization and keep my contacts to ask specific questions on how to manage there website. My questions were mostly thru email where a immediate response wasnt necessary. Have now recd 2 emails saying they would prefer phone calls to emails to address questions. The SEC and FINRA should look into Vanguards practices. An uneducated client is one who is prone to suffer more losses. Again, I urge ALL to stay away from this organization.